# UNITED HERITAGE
Austin, TX · NCUA charter 68251 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-heritage-68251

Who the members are: state charter, organized 1957. 83,638 members of 1,000,000 potential (8.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.68B |
| Members | 83,638 (3.3% YoY) |
| Full-time staff | 228 |
| Net worth | $169.1M |
| Net worth ratio | 10.1% (p35 of band) |
| ROA (annualized) | 0.68% (p48 of band) |
| Total delinquency | 1.12% (p84 of band) |
| Net charge-offs (annualized) | 0.41% (p36 of band) |
| Loans / shares | 93% (p72 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 9.22% |
| Net interest margin | 3.05% (p33 of band) |
| Operating expense / assets | 3.47% (p64 of band) |
| Vehicles % of loans | 35% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 131% (p47 of band) |
| Vehicle delinquency | 0.44% (p32 of band) |
| Vehicle NCO | 0.50% (p18 of band) |
| Repossessed % of vehicle book | 0.14% (p71 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 27% |
| Average share balance | $7,668 |
| Participations bought / yr | $766,800 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.1M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $37,094 |
| Loans granted, annualized | $359.4M |

## Participation posture (from the same filings)

Bought $766,800 and sold $0 in the latest annualized quarter; $17.1M outstanding purchased (10.1% of net worth), $29.5M sold and retained. Sold in 6 and bought in 3 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | thin capital |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | loans>95% of shares | delinquency rising |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | thin capital |  |
| 2020-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | net worth falling, 3rd-party paper>100% NW |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | loans>95% of shares |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 2 |  | thin capital, delinquency 2x band |
| 2023-03 | 4 | delinquency 2x band, leaning on borrowings |  |
| 2023-06 | 3 |  | delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | loans>95% of shares |
| 2025-06 | 3 | loans>95% of shares |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | loans>95% of shares |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [AEG Presents to Open United Heritage Hall in Austin, TX in 2027 - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQMVNwem0tUTdSM21WNzdZX3VNeFFHaE5EMUpMcVJXNjZyX2JnR1RKcTVTS1Rxdm1IQ2Q2ZGprazBrYkhvVk1SN0ZPOWtBV2xseUg3dEN1QkIxZ0JfV0xwdW0wZ2ttUlhGOXJFeTFCeU4yVUVIS0dYNXVFVTlTQXp6elNGX1hNc0xNdEZlaHRYUWNST0h1RWRrSzE3MmdXem9VUV9rOUdtQ2k4UnVRaTQ3WTZzQmJTcEc4bjZv?oc=5) · Business Wire
- 2026-04-08 [United Heritage Credit Union plans second Georgetown location - Community Impact](https://news.google.com/rss/articles/CBMirwFBVV95cUxPc3IwZF9RUktjbmxUcFUtMlg2anhHcS00VFpMbW5SOU5SYk82bGlsaDFWVFhVUG9HWG9EV2Ewb19Qc0V3NVVhdDExYWFZbTBYQmhTamFRQUtDaTl6b1dEVk1SZVZQX2hMU240VmdRVUpMWDR0eGFIQUxiRWZscHBKUUdmSWxpLVRfZzN4ZS1kZW5RSVpoWDdPVWNrZGN1TjFJN0tZY2VsYkpqc2VZVU1F?oc=5) · Community Impact
- 2026-08-25 [Austin’s new 4,000-capacity music venue finally has a name. What to know - Austin American-Statesman](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPUk1uMW1SVllFTlZMMFhLamR0QUxwSzNLUXMwMjB6YnVxY21YejJWMXJlQnRSNDk0bXd6Rll0clRqaEo1S2lsQ2xnMFpHTS1QY1FQWGhQTUU4VGR1b05YX051WXhYeXRnLURKYzVEN3dlNHRIdUZ3MXJCRk1DdWw1VmxHclUtTk84YXFpNGJ3RlJnUnhCR19yeXFiTUlTNTlNenZZWmNnUWpEQQ?oc=5) · Austin American-Statesman
- 2026-08-25 [AEG Presents Announces New Music Venue United Heritage Hall - Pollstar News](https://news.google.com/rss/articles/CBMingFBVV95cUxNY1k5TE9xdkNBRUVTbHJwd1h2MWhnbXRrSzJmR0kxSC1pY1hRejJQSHR5Ri1OYUJNTFd4SXZBMEtCUjZ3TjZCenNJWnhjeWVJZTFaZjVpWFhwMDR5dGhZQWRNalZlVE5PS3RpTEdrQmszSFcyZlVCcnRvc0pWNnRhZWNpYmhRQlJ2NDRLdVc3dDdmS0xLeXMxY3paT0dadw?oc=5) · Pollstar News
- 2026-01-06 [United Heritage Credit Union Modernizes Wire Payments with Aptys PayLOGICS® Single Payments Platform - Herald Times Reporter](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPSTctVzFCY2pkTEtldm4wS2dfY1hJVGN4NGZOeFBDWVVMaVFxY1poUDBVR1V3Zks3dVRkQjg2Mm1uQWJNOGRQc1dnQXJYWjd6cmVaWHdueUFXSENQMHpKcm1Wa1VVdXZnME90ekE3bWp3Q0RMQUJDVVRPdWhzZF9Bdnprenl0MkhkODVIRTEzQVhTc3E3cF9QaDN4Tm53Zl9KUUxMaEl6cjhBREV0RFJJR05ReVRnRXhiU0VSWWltMDZiUmY3Z2NzRjZoTzEzTjZGUTV2TUl1MzhLbGkwOVhiTjhsNGs?oc=5) · Herald Times Reporter
- 2026-08-25 [AEG Presents to Open United Heritage Hall in Austin, TX in 2027 - New Castle News](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOR29fNUJUemJ6MFVSWm5rdFZfQ3hlT1VLQ3RCN3ROc25VN280Y3B3TFhXUlZjcDUxaXBWczRHNnFmUGszLUFFRXhZUkRXcGlFZHhiemxlSW1TOGgtck9tWlg0cmNhVXVuMXhNLWRaQU1Kd2tDSFRFUmtXdXJ5UzBRb0IyM0RhWG01UHd5X2dQRTR5OEM3ZVRObldCSDA1U1piUXNmNENEQTZGS1hVVU5USHJieTRxczlQck1vNnlSdHVtUm0wRjhTZ29odml1ZzZFSDNCQ3JrODM0aGF2cHl6eG9oOHQzY2s4NjdV?oc=5) · New Castle News
- 2026-08-26 [AEG Presents to Open United Heritage Hall in Austin, TX, in 2027 - interspacemusic.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLW1WUUotTkRLS0tCWV9mX0l6V1RUS2RKRFZYYmRCdFgtSDVmcTFXLUc1dHBYVEJkTzg5eEVPY19VSElwU2Jpb0tUWFJaMThxTzJCVFotZTdadng5MWJ0S29VN2hIMU96RzJ4NExzWGR4bjZiazhPbzBIcDhhOUVSblBHZzR1Q1ZwMUQ1a2Z3UERRdEoyd3FwcTFEVC0?oc=5) · interspacemusic.com
- 2025-12-08 [2 financial institutions coming to Northwest Austin in 2026 - Community Impact](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQTmJ3eEdtVGZoelNuZzlBVDVkdkVNYXVOb1NsU05GeVlLLUNYVS1ha2RkNUNnTzVaRVhobE1IYXdaUGsyM0dnV3lfajEzQ21VYUIzaDNuTmtxZkt0Z0I3TUFoTmpvQkdpYkhzNkVhV0NsMkQ1cHJMRnFreTBwcG53bkFJVHVSQ1hvaHRnTkMxcjlhSUlrRl9VUlYzUEh1MkRCT21TNnAtUzFNMGNSbjNUeUI0Z01xUC1S?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68251 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "68251", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68251
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide